Credit Analyst

• Base Pay $55,000.00 - $63,000.00 / Year
• Employee Type FT - Exempt
• Required Degree 4 Year Degree
• Manage Others No

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Phoenix Management Solutions delivers shared administrative support services to a nationwide network of intermodal transportation carriers and a leading transportation brokerage firm.

Our team is growing, and we are hiring a Credit Analyst to work with our team.

The Credit Analyst is responsible for managing customer credit reviews, monitoring customer credit utilization, and supporting proactive exposure management. This role serves as a key partner between Accounting, Sales, and Operations to balance customer growth with responsible credit risk management.

The position requires strong analytical skills, attention to detail, sound judgment, and the ability to communicate professionally with both internal teams and external customers. The Credit Analyst will work closely with Sales, Operations, Accounts Receivable, and Leadership to support customer onboarding, ongoing credit monitoring, and cash application accuracy.
This is an on-site position located at our corporate office in San Antonio, Texas.

• Complete Customer Onboarding procedures.
• Review and analyze new customer credit applications, including trade references, financial statements, credit bureau reports (D&B, Ansonia, etc.), payment trends, and industry risk factors.
• Recommend appropriate credit limits and payment terms based on company policy and risk assessment.
• Monitor existing customer accounts for changes in payment behavior, utilization trends, and overall risk exposure.
• Maintain customer credit files and supporting documentation.
• Escalate high-risk accounts, past due concerns, or significant exposure changes to management.
• Assist with implementation and enforcement of company credit policies and procedures.
• Review and analyze the twice-weekly Customer Credit Limit Outstanding reports.
• Monitor customer utilization levels and proactively identify accounts approaching credit thresholds.
• Evaluate customer exposure using payment trends, D&B recommendations, business activity, and operational needs.
• Recommend credit limit increases, reductions, or holds based on risk assessment and company policy.
• Exercise professional judgment regarding credit exposure and communicate risk concerns to leadership when necessary.
• Document all credit recommendations, approvals, supporting analysis, and leadership decisions.
• Communicate approved credit limit adjustments and utilization concerns operational leadership and Account Managers.
• Coordinate with Account Managers regarding accounts requiring payment action prior to additional credit extension.
• Maintain ongoing monitoring of customer utilization trends, payment behavior, and emerging credit risks.
• Support the overall credit management function through proactive risk management and cross-functional communication.

• Prepare AR aging reports and customer exposure summaries.
• Monitor DSO trends and assist in identifying collection risks.
• Assist leadership with customer-specific account analysis and reporting.
• Support audit requests and documentation reviews related to AR and credit functions.

• Bachelor’s degree in Accounting, Finance, Business, or related field required.
• 3-5 years of experience in Credit, Accounts Receivable, Cash Application, or Accounting.
• Transportation, logistics, or freight brokerage experience preferred.
• Experience with ERP/TMS systems such as Net Suite, Salesforce/Revenova, or similar platforms preferred.
• Strong understanding of credit analysis and accounts receivable processes.
• Proficient in Microsoft Excel and reporting tools.
• Strong analytical and problem-solving skills.
• High attention to detail and accuracy.
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